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UCO Bank UPI PIN - Create & Reset

UCO Bank UPI (Unified Payments Interface) facility provides an easy and quick way to access your UCO Bank account on your mobile and perform transactions from it. But in order to perform any financial transaction you need to create UCO Bank UPI PIN for your account. This is a secure PIN which helps you safely perform transactions from your UCO Bank account.


UCO Bank UPI PIN can be created online and you don’t have to visit the branch or ATM for generating it. To create UPI PIN all you need is a debit or ATM card which is linked to your bank account. You can download our mobile app and then quickly create your UCO UPI PIN and start performing transactions from your bank account.


After generating your UCO Bank UPI PIN you can perform following types of transactions:
  1. Check account balance
  2. Instant fund transfer to anyone in India in real-time. Transfer upto Rs. 1,00,000 per day
  3. Credit card bill payment
  4. Electricity bill payment
  5. Gas bill payment
  6. Mobile recharge & mobile post-paid bill payment
  7. DTH recharge
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

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How to create and reset your UCO Bank UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your UCO Bank account. One SMS will be sent from your phone to verify your mobile number
  3. Select UCO Bank for BHIM registration
  4. All your bank accounts will be registered and activated for UCO Bank BHIM services
  5. Select Generate UPI PIN option
  6. Enter your debit card last 6 digits and expiry date
  7. You will get OTP from UCO Bank for creating your UPI PIN
  8. Enter UPI PIN you want to set
  9. Confirm UPI PIN again
  10. Your UPI PIN will be registered with UCO Bank and you can now use it to perform financial transactions on your mobile

After this your UCO UPI registration process is complete and you can start performing BHIM UPI transactions such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

UPI PIN Features


Create UCO Bank UPI PIN online

UPI PIN can be created online using our mobile app. This is the biggest advantage of UPI wherein the secure banking PIN can be generated directly on your mobile without visiting the branch or ATM.

Separate UPI PIN for each UCO Bank account

If you have more than one account with UCO then you have to generate a separate UPI PIN for each account. This ensures that your UCO Bank BHIM PIN remain fully safe and secure and no one can transact on your behalf.

Mandatory for any financial transaction

The biggest safety feature of UCO UPI PIN is that it is required for each transaction. Meaning, for performing any financial transaction you have to authenticate yourself with the help of UCO Bank BHIM PIN. Without entering your UCO Bank UPI PIN no transaction can go through. This ensures your UCO Bank account remain 100% safe and only you perform transactions from it.

Easily regenerate UPI PIN if you forget your old PIN

If you ever forget your UCO UPI PIN then you can easily create a new UPI PIN using our app. You don’t have to register a new PIN request with UCO Bank. By using our mobile app you can directly create a new UPI PIN and start performing transactions again.

Easily change UPI PIN

If you ever want to change your UCO BHIM PIN for any reason, you can easily do so using our mobile app. Without going to the branch or ATM you can easily change your UPI PIN. After changing your UCO Bank BHIM PIN you have to use your new PIN while performing transactions.

UPI PIN Benefits

One can enjoy multiple benefits from UCO Bank UPI PIN service:

Time saving: As UCO Bank UPI PIN can be generated on your mobile using our app, you can save a lot of time which otherwise would have gone in visiting the branch or ATM to generate a banking PIN. After creating your own UCO Bank BHIM PIN you can immediately start performing transactions using UPI.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your UCO Bank UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect UCO Bank BHIM PIN then your transactions will fail.

Multi Purpose: UCO UPI allows you to perform multiple transactions such as balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your UCO Bank account.

UPI PIN security

UCO Bank UPI PIN service is fully secured in the following ways:

  1. UPI registration for your UCO Bank accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. For using UCO BHIM services, you have to create a new UPI PIN using your debit card
  3. For performing any type of transaction you have to then use UCO UPI PIN. No transaction will go through without this secure UPI PIN
  4. For additional security, you can also set up app password so that no one can even open the app without knowing your app password
  5. For enhanced safety, you can also create a PIN or pattern lock for your phone so that no one can open your mobile

Timing of UPI PIN Generation Service

  • You can use UCO Bank UPI services on all days, including Saturday and Sunday
  • UCO Bank BHIM can be used at night as well
  • As banking is very crucial, you can use UCO Bank UPI facility even on bank holidays and public holidays
  • You can use UCO Bank BHIM services throughout the year

Eligibility for using UPI PIN Creation Service

For using UCO Bank create UPI PIN service you have to meet the following requirements

  • You must have a savings or current account with UCO Bank
  • Your mobile number must be registered with UCO Bank
  • You must have a debit associated with your UCO account
  • You must have either Android or iPhone mobile phone
  • You must have an internet connection either via SIM card or WiFi

Create UPI PIN Service limitations

Following are the limitations of UCO Bank Create UPI PIN service:

  • It will only work if your mobile number is registered with UCO Bank
  • It will not work without an active UCO Bank atm/debit card
  • It will not work without Android or iPhone mobile phone
  • It will not work without internet connection
  • You can only transfer upto Rs. 1,00,000 per day per UCO account under UPI facility

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